Denied for Freedom, Approved for Citi $4000

[Anonymous]

I am 18 years old, and have been trying to have the best credit score possible since before I was of age. 

Currently an AU on an Amex Blue Cash opened 8 months ago CL @2200 and a Home Depot Card CL $6500

Both are reporting to all agencies, and I have 1 personal loan thru a CU for $3000

Ficos are : Experian 721 (only one that reports loan) , TU 739, and EQ: 738

I was denied for a Chase Freedom, and a Discover More

NEXT DAY, approved for a Citi Forward Visa with a CL of $4000.

Recon on the Discover was unsucessful, even when they tried a student card (i am a student), so was Freedom.  They said I had no accounts that i was PRIMARILY responsible for.

P.S. These recons were done before Citi approved me

Should I call for a recon AFTER i was approved for Citi???

[dalebb]

what is ur income?

[Anonymous]

$25,000 a year

[dalebb]

Have u tried going to amex and doing a soft hit prequal?

[tsquad131]

chase told me they do not approve people unless they have generally at least a 2 year history on their own since your 18 and just now obtained your first card that is the reason why you were denied.

[dalebb]

yes but didnt i read ur au on amex?

[Anonymous]

I got approved for a Freedom after only having my own card for one month, so pretty sure that two year rule is not in effect.

[Anonymous]

No! I wasn't aware that Amex did this.  The soft inquiry won't have any effect on my AU card for Amex will it?

[Anonymous]

Would you mind telling us a little more about your history.

Age of accounts, Income?????

Your situation sounds similar to mine, My scores are all above 720!!!! I couldnt believe they would deny.

[dalebb]

no,, but if u get approved ur new amex card should back date and this will help ur AAoA